Idaho · HMDA 2025
Mortgage lenders in Gem County, ID
164 lenders reported 1,156 home-loan applications in Gem County in 2025. 620 closed as loans ($178.1M), 174 were denied — a 20.5% denial rate on decided applications, above the Idaho rate of 17.5%. The three most active lenders handled 24% of applications, led by IDAHO CENTRAL CREDIT UNION. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,156
- Loans originated
- 620
- Purchase / refinance
- 325 / 172
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Gem County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | IDAHO CENTRAL CREDIT UNION 62 out of 100, Moderate | 164 | 14.2% | 17.8% |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLC | 68 | 5.9% | — |
| 3 | Rocket Mortgage, LLC | 48 | 4.2% | — |
| 4 | GUILD MORTGAGE COMPANY | 46 | 4.0% | — |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 40 | 3.5% | 39.5% |
| 6 | PENNYMAC LOAN SERVICES, LLC | 39 | 3.4% | — |
| 7 | PREMIER MORTGAGE RESOURCES, L.L.C. | 33 | 2.9% | — |
| 8 | Mountain America Federal Credit Union 56 out of 100, Moderate | 32 | 2.8% | 45.0% |
| 9 | First Interstate Bank 62 out of 100, Moderate | 26 | 2.2% | 29.4% |
| 10 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 25 | 2.2% | — |
| 11 | Waterstone Mortgage Corporation | 25 | 2.2% | — |
| 12 | Loandepot.Com, LLC | 22 | 1.9% | — |
| 13 | NEWREZ LLC | 20 | 1.7% | — |
| 14 | MOVEMENT MORTGAGE, LLC | 18 | 1.6% | — |
| 15 | Broker Solutions, Inc. | 16 | 1.4% | — |
| 16 | AMERICAN PACIFIC MORTGAGE CORPORATION | 16 | 1.4% | — |
| 17 | 21st Mortgage Corporation | 14 | 1.2% | — |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 14 | 1.2% | 14.1% |
| 19 | TRIAD FINANCIAL SERVICES, INC. | 14 | 1.2% | — |
| 20 | Synergy One Lending, Inc. | 14 | 1.2% | — |
| 21 | CMG MORTGAGE, INC. | 12 | 1.0% | — |
| 22 | VANDERBILT MORTGAGE AND FINANCE, INC. | 12 | 1.0% | — |
| 23 | NATIONSTAR MORTGAGE LLC | 12 | 1.0% | — |
| 24 | Citizens Bank, National Association 54 out of 100, Below average | 11 | 1.0% | 32.5% |
| 25 | GUARANTEED RATE, INC. | 11 | 1.0% | — |
| 26 | Sunflower Bank, National Association 51 out of 100, Below average | 11 | 1.0% | 5.8% |
| 27 | NEW DAY FINANCIAL, LLC | 11 | 1.0% | — |
| 28 | Fairway Independent Mortgage Corporation | 10 | 0.9% | — |
| 29 | FIGURE LENDING LLC | 10 | 0.9% | — |
| 30 | FREEDOM MORTGAGE CORPORATION | 10 | 0.9% | — |
| 31 | First Federal Savings Bank of Twin Falls | 9 | 0.8% | — |
| 32 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 9 | 0.8% | 30.7% |
| 33 | Coastal Community Bank 35 out of 100, Low | 9 | 0.8% | 3.0% |
| 34 | Mortgage Research Center, LLC | 8 | 0.7% | — |
| 35 | KIND LENDING, LLC | 8 | 0.7% | — |
| 36 | D. L. EVANS BANK | 7 | 0.6% | — |
| 37 | SOFI BANK, NATIONAL ASSOCIATION | 7 | 0.6% | — |
| 38 | WESTMARK Credit Union 57 out of 100, Moderate | 7 | 0.6% | 20.0% |
| 39 | CAPITAL EDUCATORS FEDERAL CREDIT UNION 49 out of 100, Below average | 7 | 0.6% | 16.0% |
| 40 | AgWest Farm Credit, FLCA | 7 | 0.6% | — |
Top 40 of 164 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Idaho
- Ada County 27,606 apps
- Canyon County 15,449 apps
- Kootenai County 10,451 apps
- Bonneville County 6,658 apps
- Twin Falls County 4,638 apps
- Bannock County 4,192 apps
- Bonner County 3,139 apps
- Bingham County 2,229 apps
- Jefferson County 1,848 apps
- Elmore County 1,741 apps
- Nez Perce County 1,664 apps
- Payette County 1,570 apps